BANKRUPTCY

We are bankruptcy attorneys we have locations in Eastgate, Ohio and Middletown, Ohio.

Isn't this a nice winter we are having.  Plenty of snow, ice and cold!  This makes for high utility bills.  Just getting out of the bed in the morning seems to take a tremendous effort.  Beep Beep goes the alarm clock, but warm bed says your brain!  In the mean time even if you have set down the thermostat in your home you can hear your furnace or heaters working their little hearts away to keep your home warm.  Hopefully you winterized your home, put up the plastic to the windows, extra sealant around the door, block off rooms you don't use.  These are all good and will help keep you warm.  But when the jet stream dips for days on end this will lead to more stress and higher utility costs.

Did you know that it is possible to file for bankruptcy protection and stop a utility shut off.  Yes, this is true, if you are struggling with your gas and electric bill you may file for bankruptcy on the past due amount to allow your services to remain on.

It is the time of year when your debt just swallows you up.  You just had Christmas and probably used your credit cards, now those debts are due.  Vehicles seem to break down more often in the cold weather, vehicles just aren't made for this kind of environment.  And then you have the higher utility costs.  This could result in additional costs for your budget.  It can all become quite overwhelming.

DO NOT STRESS

Do not stress over all of this!  Bankruptcy may be the solution for all of your stresses!  Bankruptcy is designed to wipe out your debt and give you a fresh financial start.  You can file for bankruptcy protection on credit card debts, medical debts and a bankruptcy filing can stop a utility shut offs!

Contact our office today for your free consultation.  At this consultation you will be able to sit down and discuss your individual situation with one of our experienced attorneys.  The attorney will be able to guide you in the best direction for your financial future.

FAIR FEES

Do not stress over the fees of filing for bankruptcy protection.  At our law firm we will offer you a free consultation.  The attorney will quote you a fee at this consultation.  Our fees are fair and reasonable and based on your individual case.  A small retainer fee will retain our office.  Once you put down the retainer you will be able to refer your creditors to our office until your case is filed.  We will then accept monthly payments until you pay in full, then we file your case.  If you are able to pay all of your fees up front that is great too!

MORE INFORMATION

For more information check out our new website at www.keeganandrade.com

Contact our Eastgate, Ohio or Middletown, Ohio office today for your free bankruptcy consultation, we offer fair fees and monthly payment plans.

BANKRUPTCY LAWS

We are bankruptcy attorneys located in Eastgate, Ohio.

Job loss, divorce, a medical emergency or other catostrophic event can make it hard to keep on top of debt.  Millions of people have used U.S. bankruptcy laws to get a fresh start.

BANKRUPTCY WILL RUIN MY CREDIT FOREVER

It is true that bankruptcy stays on your credit reports for up to 10 years, but once the slate is essentially clean after a successful bankruptcy filing, people can instantly start re-building their credit.  In fact, many people even gain stronger credit scores after filing and their old debt is gone and they can start a fresh start.  Think about it, your credit probably isn't that great to begin with.  Bankruptcy is designed to clear debt and give people  a fresh financial start.

If additional credit is what you desire, you will be surprised at the amount of credit card offers you will receive after your bankruptcy filing.  Creditors know that you cannot file again and that you are debt free, so they are wiling to extend credit to you once again.

I WILL BE LOOKED DOWN UPON

Everyday people just like you decide to file for bankruptcy.  With the economy, bankruptcy does not hold that old stigma it may have a decade ago.  Most of us are struggling with debt, and many have lost jobs, making bankruptcy more common than most realize.  Your neighbor or best friend may have filed.  Bankruptcy filings do not get published in your local newspaper it will not be common knowledge that you filed for protection.  Bankruptcy has helped millions of Americans get out of debt and can help you to.

BANKRUPTCY IS EXPENSIVE

Many people believe that bankruptcy will be too expensive for them to file.  Bankruptcy is not free or course, but the fee is small compared to the amount of debt you will be discharging.  We offer a free consultation, where you will be able to sit down with an experienced attorney and discuss your situation.  The attorney will go over all of your options and quote you a fee.  If you decide to move forward a small retainer will get things started and then you can make monthly payments on your case.  Your monthly payment can be what you can afford, we just wont file your case until your fees are paid in full.

Call today for your free bankruptcy consultation at our Eastgate, Ohio Bankruptcy firm.

Bankruptcy Information

We are bankruptcy attorneys.  We have offices located in Eastgate, Middletown and Fairfield, Ohio. 

Are you thinking of filing for bankruptcy protection?  If so, you probably have some questions regarding the issue.

At our office we offer a free consultation.  At this free consultation you will be able to sit down with a qualified experienced bankruptcy attorney and discuss your current situation and ask any questions you may have.  The attorney will at this free consultation advise which chapter will be best for you.

There are several chapters of bankruptcy available under the federal bankruptcy code, however, Chapter 7 and Chapter 13 are the most common filings among general consumers.

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is also referred to as straight bankruptcy or liquidation bankruptcy.  This chapter is available for most consumers.  Under Chapter 7 Bankruptcy protection you will be able to discharge all of your unsecured debts under the bankruptcy code.  A discharge is a document issued by the federal court which deems your debt non-collectable by creditors.  Once you file for Chapter 7 protection all collection practices by creditors must stop.  This includes but is not limited to phone calls, mail harassment, court proceedings and garnishments.

Chapter 7 is sometimes referred to as a liquidation bankruptcy because the Chapter 7 Trustee may take some of your assets and sell them to pay your debts.  However, most people are happy to find out that they are able to keep most of their assets as there are exemptions to protect these assets.  There are cases, however, where you may have equity and have to pay back some to the Trustee.  Most people are happy to pay back this small amount compared with the debt that they are discharging through the bankruptcy.  Call our office today for your free consultaton to discuss your individual situation.

In Chapter 7 Bankruptcy you will be able to keep your home and vehicle.  You must however, be current on your payments on these assets if you wish to keep them.  The creditor will have a reaffirmation agreement for you to sign and this will deem the debt non-discharged through the bankruptcy.  This document will also guarantee that the creditor will continue to report your payment history to the credit reporting agencies, thus rebuilding your credit after the bankruptcy filing.

As many as 65% of consumer filings in the US are Chapter 7 Bankruptcy filings.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy also referred to as a wage earner plan you will allow you to retain ownership and possession of all assets that you wish to keep.  But you may also surrender assets through Chapter 13, if you wish.  In Chapter 13 Bankruptcy you must have income to support the case as you will be making monthly payments to the Chapter 13 Trustee and they will be disbursing your funds to your creditors for you.  It is up to the creditor in a Chapter 13 Bankruptcy to file a claim in order to be paid.

Chapter 13 can stop a foreclosure.  If you are in foreclosure and want to save your home you can file a Chapter 13 and stop the foreclosure.  Your mortgage holder cannot object to your bankruptcy filing and must file a claim in your case to be paid.  Chapter 13 generally lasts for a three to five year period.  During this time you will be able to make up all your missed payments and the Trustee will disburse your regular house payment.  This is a good thing because at the end of your case the trustee will file a notice with the Court that all payments are current and deems that your mortgage holder cannot come back on you for additional fees incurred while you were under bankruptcy protection.

If you are behind on your vehicle, Chapter 13 can also stop repossession and give you time to make up the missed payments over the three to five year period.

Contact Us

Call today for your free consultation 513-752-3900.

Every situation is unique so contact us today for your free consultation to discuss your individual situation, we offer a free consultation, fair fees and monthly payment plans.

Bankruptcy and Medical Debt

We are bankruptcy attorneys we have offices located in Eastgate, Ohio, Middletown, Ohio and Fairfield, Ohio.

Bankruptcies resulting from unpaid medical debt will affect nearly 2 million people this year, making health care the main reason for banrkuptcy filings in the United States. Health care debt surpasses bankruptcies due to credit card debt and unpaid mortgages. Even having health insurance does not protect consumers from incurring massive medical debt. Even outside of bankruptcy millions of adults between the ages of 19 and 64 struggle with health care debt. If you think only Americans without health insurance face financial troubles, think again. There is an estimated 10 million adults with year-round health insurance that will still acculumate medical bills they can't pay for this year. High-deductible insurance plans are requiring consumers to pay more out-of-pocket costs, this is a challenge to many households.

If you are struggling with medical debt, bankruptcy may be the solution to your problem.

What medical debts are dischargable through bankruptcy? All medical debt is dischargable through bankruptcy. Hospitals and emergency service providers cannot refuse you service in the future if you were to file for bankruptcy protection. However, family doctors can refuse you service in the future so you would not want to file on them unless you were not going to use their services in future. The same theory goes with a dentist.

If you are struggling with medical debt, we will be able to help you. Contact our Faifield, Ohio office today for your free bankruptcy consultation.

If you are struggling with medical debt, we will be able to help you.  Contact our office for your free consultation today, we have offices in Eastgate, Middletown and Fairfield, Ohio.